O microcrédito e a população de baixa renda: a experiência do banco do cidadão

Abstract

The Brazil is a country with many poor and the solution to this phenomenon is based on a more equitable distribution of income, thus, one of the efficient ways of alleviating the situation of those who are at the bottom of the pyramid is to give them access to credit and enable them in the use of the resource, stimulating their entrepreneurial skills in order to make them emerge from poverty. It is therefore inherent in microcredit the democratization of credit to deleted, in order to enable the generation of work and income for low-income families. Based on this context, the dissertation investigated the actions of the Bank of the citizen against the poor families of the State of Alagoas in the period from 2006 to 2009 to verify that your biggest credit was really aimed at regions with socio-economic conditions. To this end, we used the Log-linear model, which was estimated by the method of Weighted least squares (MQP). It became evident that the Bank had a more incisive action in regions with greater momentum. However, despite their greater lending have been in areas with better conditions, the same has contributed greatly to mitigate socio-economic disparities in the State, through the generation of jobs and income. Yes, in the analyzed period granted more than 10,000 loans to poor people, totaling a volume of resources released approximately 13,400,000. Its activities could be extended to other cities and in turn to a greater number of poor families from the moment that Governments understand that the Citizen should be treated as a State policy and not Government. And finally, it is worth noting that poverty is a multidimensional phenomenon and as such must be fought not only with micro-credit.